Privacy Policy
Denise Chidiac Pty Ltd | Denise Chidiac is committed to the protection of your personal information in accordance with the National Privacy Principles (Principles) set out in the Privacy Act 1988 (Cth).
When do we collect personal information?
Denise Chidiac collects personal information from its customers in a variety of ways. We may collect personal information such as your name, contact details or occupation when you enrol for or attend a seminar, visit our website or contact us by telephone or where you have a consultation with a Denise Chidiac representative.
Information Collected via our Website
Denise Chidiac will not collect any personal information about visitors to its website except when they knowingly provide it. For example, we will collect personal information from visitors to our website when they complete a form located on our website.
Click Stream Data
When you visit and browse this website our website host will collect personal information for statistical, reporting and maintenance purposes. This information will not be used to identify you and may include:
Our website host uses this information to administer and improve the performance of this website.
Cookies
Cookies are small text files that are transferred to a user's computer hard drive by a website for the purpose of storing information about a user's identity, browser type or website visiting patterns. Denise Chidiac currently does use cookies.
What we use your information for
We use the personal information that we collect from customers (including personal information about third parties) to provide customers and their associates with information about our products and services and for the purposes of direct marketing of these products and services.
In addition if you provide your personal information as part of a loan application process, we may use that information for the purpose of:
- Providing the information to and searching the files of one or more licensed credit reference agencies (such agencies will keep a record of such search to confirm the information and for the purposes of credit assessment or account administration)
- To disclose the information to credit reference agencies when requested by them for consideration of any future applications for finance made by you or members of your household/family or for fraud prevention and/or tracing debtors - the agencies may also disclose your information to other lenders for these purposes.
If you choose not to provide your personal information to Denise Chidiac for the purposes set out in this Privacy Policy the only consequence for you is that you may not be able to receive information about Denise Chidiac's products or services, we may not be able to process your loan application and you may not be able to download certain products from the Denise Chidiac website.
Denise Chidiac also collects information about people who may be interested in one or more of the Denise Chidiac products or services from third parties. If Denise Chidiac collects personal information about an individual from a third party it will provide that individual with information about the identity of Denise Chidiac, how Denise Chidiac will use or disclose their personal information and the procedure for accessing their personal information. Denise Chidiac will only collect personal information from third parties for the purpose of notifying the third parties about the availability of various Denise Chidiac products.
Who do we disclose your information to?
Denise Chidiac may disclose personal information about its customers to other affiliated companies that provide products sold or promoted by Denise Chidiac and third party service providers such as contracted call centres or marketing agents.
We may also disclose your personal information to our web site host in certain limited circumstances, for example when our web site experiences a technical problem, to ensure that it operates in an effective and secure manner.
Marketing
Denise Chidiac may use your personal information to provide you with promotional material about its products and services. If you do not wish to receive this type of promotional information, you can contact our Privacy Officer at admin@denisechidiac.com.au at any stage in the future so that we can remove your name from our marketing lists.
Otherwise, we will not, in the ordinary course of our business, disclose your personal information to any other person or organisation unless the disclosure is required by law or is otherwise permitted by the Principles.
You can have access to the information Denise Chidiac holds about you
You may request access to your personal information and we will endeavour to grant your request unless providing you with access would: " unreasonably impact upon the privacy of others; " reveal commercially sensitive information about Denise Chidiac; " or would not otherwise be permitted under the Principles.
If we refuse your request to access your personal information, we may provide you with reasons for our refusal.
Keeping your personal information secure and up to date.
Denise Chidiac aims to keep your personal information secure and up to date.
Any personal information that is collected via Denise Chidiac's website or which is held on Denise Chidiac's computer systems is securely protected [by firewall security systems and the use of user passwords to prevent unauthorised access.]
Personal Information that is held by Denise Chidiac in hard copy is stored securely on its premises and is only disclosed or used for the purposes described in this Privacy Policy.
You can update your personal information at anytime by contacting our Privacy Officer on the email address above. If we find we have no further need for your personal information we will remove it from our system and destroy all record of it. We would welcome any changes to your details so as to keep our records up to date.